Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Empeople Credit Union
Empeople Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
23
+187.5% vs 2024Originations
$3.0M
Loans x average loanAverage loan
$132,391
Average interest rate
6.58%
Denial rate
41%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 58 | 23 | $3.0M | $132,391 | 6.58% | 41% | 0% |
| 2024 | 38 | 8 | $1.1M | $133,750 | 6.42% | 61% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| ME | 5 | $725,000 | $145,000 | 7.21% | 50% | 0% |
| LA | 3 | $335,000 | $111,667 | 6.17% | 38% | 0% |
| IA | 2 | $250,000 | $125,000 | 6.55% | 25% | 0% |
| MO | 2 | $170,000 | $85,000 | 6.38% | 33% | 0% |
| VA | 2 | $240,000 | $120,000 | 6.25% | 0% | 0% |
| CO | 2 | $260,000 | $130,000 | 6.43% | 0% | 0% |
| WA | 1 | $315,000 | $315,000 | 6.23% | 50% | 0% |
| WV | 1 | $25,000 | $25,000 | 8.24% | 0% | 0% |
| MN | 1 | $175,000 | $175,000 | 6.1% | 0% | 0% |
| NC | 1 | $75,000 | $75,000 | 6% | 0% | 0% |
| OK | 1 | $155,000 | $155,000 | 6.5% | 50% | 0% |
| TN | 1 | $115,000 | $115,000 | 6.38% | 0% | 0% |
| TX | 1 | $205,000 | $205,000 | 6.13% | 50% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.